Coverage Audit

Find the gap between what you own and what's insured

A structured look at coverage limits, deductibles, and riders — built around your numbers, not a generic benchmark.

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inputs analyzed

Live

gap calculation

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recommendation types

Coverage Gap Analyzer

Find the gap before it becomes a problem

Compare your estimated replacement value with your current policy limit and get a clear view of potential coverage exposure.

Coverage details

Enter your current policy figures

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Estimated cost to rebuild or replace the insured asset.

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Your figures stay on this device

Coverage Snapshot

Know what your numbers reveal

Your analysis will highlight potential gaps, exposure level and areas worth reviewing.

Coverage position

Based on the figures you provide

Awaiting input
Current limit Replacement value
Potential gap

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Exposure level

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What we'll check

Coverage gap
Deductible fit
Risk exposure
Rider review
Your figures remain on this device and are not uploaded.

Rider Optimization

Riders that commonly close real gaps

Rider

Scheduled Personal Property

Covers jewelry, art, or electronics above standard sub-limits with itemized value.

Rider

Water Backup Coverage

Addresses sewer or drain backup, a common gap in standard homeowners policies.

Rider

Extended Replacement Cost

Adds a buffer above your dwelling limit for rebuilding cost spikes.

Deductible Review

Balance premium savings against out-of-pocket risk

A higher deductible typically lowers your premium — but only helps if you could comfortably cover it after a loss.

Deductible under 5% of asset valueComfortable
Deductible 5–10% of asset valueReview budget
Deductible over 10% of asset valueHigh exposure
Person calculating household budget and insurance costs on a calculator

Limit Analysis & Risk Exposure

Where limits tend to fall behind

Coverage area Typical drift Exposure level
Dwelling rebuild cost Lags construction cost inflation High
Personal property Underestimated after new purchases Moderate
Liability limit Set once at policy start, rarely revisited Moderate
Auto liability limits Often set at state minimums High